Chattanooga, TN Property Tax Rates
Compare property tax rates across 15 ZIP codes in Chattanooga, Tennessee.
Avg Tax Rate
0.80%
Avg Annual Tax
$2,191
Avg Home Value
$274,940
ZIP Codes
15
Property Tax Overview: Chattanooga, TN
Chattanooga has 15 ZIP codes with property tax data. The average effective tax rate across these ZIPs is 0.80%, which is 46% above the Tennessee average of 0.55%. Annual property taxes range from $2,560 (ZIP 37408) to $4,620 (ZIP 37403).
For a home at Chattanooga's median value of $274,940, property taxes add approximately $183/month to housing costs. Chattanooga home values are above the Tennessee median of $223,997, meaning the monthly tax impact is correspondingly higher.
Property tax rates within Chattanooga vary by 0.48 percentage points across its ZIP codes. This variation typically reflects different school district boundaries, special assessment zones, and municipal service areas within the city.
ZIP Codes in Chattanooga, TN
| ZIP Code | Effective Rate | Median Tax | Median Home Value |
|---|---|---|---|
| 37408 | 0.56% | $2,560 | $460,000 |
| 37409 | 0.66% | $1,624 | $245,900 |
| 37404 | 0.69% | $1,614 | $235,300 |
| 37405 | 0.70% | $2,909 | $416,900 |
| 37415 | 0.75% | $1,952 | $261,900 |
| 37421 | 0.75% | $2,235 | $299,600 |
| 37410 | 0.75% | $1,003 | $133,800 |
| 37416 | 0.77% | $1,759 | $229,600 |
| 37411 | 0.78% | $1,693 | $216,800 |
| 37412 | 0.85% | $1,546 | $182,600 |
| 37407 | 0.86% | $731 | $84,600 |
| 37406 | 0.92% | $1,376 | $150,300 |
| 37402 | 0.92% | $4,222 | $460,000 |
| 37419 | 1.00% | $3,018 | $302,800 |
| 37403 | 1.04% | $4,620 | $444,000 |
Chattanooga vs Tennessee Average
Effective Tax Rate
46% above state average
Annual Property Tax
Median Home Value
Frequently Asked Questions
What is the average property tax rate in Chattanooga, TN?
The average effective property tax rate in Chattanooga, Tennessee is 0.80%, based on 15 ZIP codes.
How much is property tax in Chattanooga, TN?
The average median annual property tax in Chattanooga is $2,191 per year, with a median home value of $274,940.
Which ZIP code in Chattanooga has the lowest property tax rate?
ZIP code 37408 has the lowest effective tax rate in Chattanooga at 0.56%, with a median annual tax of $2,560.
How many ZIP codes are in Chattanooga, TN?
Chattanooga, Tennessee has 15 ZIP codes with property tax data available.
Which ZIP code in Chattanooga has the highest property tax rate?
ZIP code 37403 has the highest effective tax rate in Chattanooga at 1.04%, with a median annual tax of $4,620.
How do Chattanooga property taxes compare to the Tennessee average?
Chattanooga's average effective rate of 0.80% is 46% above the Tennessee state average of 0.55%.
What factors affect property tax rates between ZIP codes in Chattanooga?
Property tax rate differences within Chattanooga are typically driven by school district boundaries (which can account for 40–60% of a tax bill), special assessment zones for fire, water, or transit services, and whether a ZIP falls within city limits or an unincorporated area. Each taxing jurisdiction sets its own rate, which is why adjacent ZIP codes can have noticeably different effective rates.
Tips for Chattanooga Homeowners
- •Appeal your assessment: If your home is assessed higher than its market value, you can file a property tax appeal. Studies suggest 30–60% of properties are over-assessed. Most counties offer a free informal review process.
- •Check your exemptions: Homestead exemptions can reduce your taxable value and are available to primary residents in most states. Senior, veteran, and disability exemptions may also apply. Exemptions must typically be applied for — they are not automatic.
- •Know your assessment cycle: Tennessee reassesses properties periodically. After buying a home, your next tax bill may reflect a new assessment based on your purchase price. Budget accordingly, especially if you bought above prior assessed values.
- •Compare ZIP codes before buying: Even within Chattanooga, effective tax rates can vary significantly across ZIP codes due to different school district overlays. Use PropertyTaxByZip to compare specific ZIPs before choosing a neighborhood.
Looking for county-level property tax data? View Hamilton County on TaxByCounty.com
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.